FAQ’s Member Referral Program

A referral must be a completely new member who has never previously registered or re-joined KMA Sacco and meets the membership requirements.

Your referral must:
• Complete the membership registration process
• Pay the Ksh 3,000 joining fee
• Make a minimum monthly contribution of Ksh 5,000 or more

You will earn Ksh 2,000 for every successful referral, paid directly to your registered M-Pesa number.

There is no limit!
The more people you refer, the more you earn.
✨ Invite. Earn. Repeat.

Your referral should:
• Indicate your Name & Membership Number on the Membership Application Form
OR
• Use your referral link when signing up online via the member portal:
https://portal.kmasacco.com:449/Members/MemberRegistration/Create

Once your referral is verified as a fully registered and compliant member, your reward will be processed and sent to your M-Pesa number. You will also receive a confirmation notification.

KMA Sacco will notify you once:
• Your referral has been verified
• Your reward has been processed and disbursed

The program runs for 3 months:
2nd April 2026 to 1st July 2026

Yes! The top referrer with the highest number of successful referrals will:
• Be fully sponsored to attend a scientific conference of their choice in 2027
• Represent and promote the Sacco brand

Yes. However, only fully registered members who meet all requirements will count as successful referrals.

Staff, service providers, and board members are not eligible for this program.

Terms and Conditions Apply.

✨ New beginnings are better shared!
Invite your colleagues to join KMA RNWDT Sacco Ltd and let’s grow together.